[GSilverman]

Credit Guy, in your opinion, was fraud committed?

[Funder Mark]

Credit Guy, in your opinion, was fraud committed?

Technically yes by the employees, pretty sure its not up to the CEO level. The real question to me is what % of expected payments actually came in. Even if they have to clarify for the future what a default is, and what they do to merchants who miss payments, I think they will still easily survive.

[CreditGuy]

Credit Guy, in your opinion, was fraud committed?

Yes. If your reason for asking is that to then use my admitting to it to call into question the value of ANY of the data, I disagree.

[GSilverman]

What data? The funding world has gone through rapid evolution. Pre-2015 data is moldy due to many factors, including - merchants stacking 2-4 positions and a growing willingness of merchants willing to walk. Good data exists in the MCA - Credit Card split world. Bad data exists in the the post Credit Card split world.